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<p>In the event of a claim, the No Claim Discount is reduced as follows:</p>
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<td height="20" bgcolor="#59d9f9" class="celborder"><strong>NCD<br />at time of claim</strong></td>
<td bgcolor="#59d9f9" class="celborder"><strong>No. of claims<br />during period of insurance</strong></td>
<td bgcolor="#59d9f9" class="celborder"><strong>NCD applicable<br />for next renewal</strong></td>
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<td height="20" bgcolor="#f4fbfe" class="celborder">50%</td>
<td bgcolor="#f4fbfe" class="celborder">1</td>
<td bgcolor="#d4effc" class="celborder">20%</td>
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<td height="20" bgcolor="#f4fbfe" class="celborder">40%</td>
<td bgcolor="#f4fbfe" class="celborder">1</td>
<td bgcolor="#d4effc" class="celborder">10%</td>
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<td height="20" bgcolor="#f4fbfe" class="celborder">30% or less</td>
<td bgcolor="#f4fbfe" class="celborder">1</td>
<td bgcolor="#d4effc" class="celborder">Nil</td>
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<td height="20" bgcolor="#f4fbfe" class="celborder">50% or less</td>
<td bgcolor="#f4fbfe" class="celborder">2 or more</td>
<td bgcolor="#d4effc" class="celborder">Nil</td>
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